Heartland Health Insurance realizes the importance of a person’s sight, in order to promote overall quality of life. Maintaining optimal vision is critical for many people who rely on their sight to perform daily activities, work, drive, participate in athletics, take care of family, and so much more.
As we age, our vision often declines. And without vision insurance, one may be less inclined to stay on top of their ocular health to properly care for his/her/their excellent vision.
Don’t worry, we are here to help!
There are a vast number of vision insurance plans, which can make choosing the optimal plan for your family a huge hassle. However, we are experts in navigating the wide range of vision plans offered, and can help you find the perfect plan for you and your family’s eye care needs.
Since 2005, we have been helping our clients acquire vision plans from the most reputable providers; such as Anthem, United Healthcare, Aetna, Cigna, Guardian, National General and many others.
We want to give you the peace of mind that your family’s vision is covered, as well as, help reduce most eye-care related expenses.
Jacob has over 15 years of experience helping families like yours get the best vision insurance plans available.
Vision insurance is a supplementary insurance policy that helps our clients save money when visiting an eye care professional.
Its primary purpose is to offer discounted rates for many ocular health related expenses a person may incur when visiting an eye care facility, optometrist, or ophthalmologist.
Whether you have 20/20 vision, or wear glasses/contacts 24/7, vision insurance will help you budget for one of the most important senses, your eyesight. With most policies, an annual exam is covered and you will receive discounts on eyeglass frames, prescription lenses, contact lenses, etc. depending on the specific benefits of your plan.
Some policies have specific eye care professions you are required to use (in-network), while other plans don’t place any restrictions on the provider. Also, although vision insurance does come with a monthly premium, there is generally no deductible to meet before you benefits are available to use.
Much like health insurance policies, it’s important to know what is and isn’t covered with your plan in order to choose the best coverage for you and your family’s needs. But don’t worry, we’re here to help!
Depending on the scope of benefits for your vision insurance or vision discount plan, you may find that these services are partially covered or the provider offers a discounted rate for:
- Eye exams
- Vision tests
- Eyeglass frames
- Eyeglass prescription lenses
- Contact lenses
- Eyecare supplies, such as lens protection and cleaners
- Corrective eye surgery
- Various coatings and materials for eyeglass lenses
The difference between vision insurance and a vision discount plan is subtle, but important when considering which option to choose for you and your family.
With vision insurance, claims are filed similarly to health insurance, and you will pay your portion of the coinsurance to the eye care professional at the time the service is rendered. Once the claim is processed and approved, the insurance carrier will pay out the benefit amount to the provider directly.
With a vision discount plan, the provider agrees to give you discounted fees for many eye care related services, and you pay the full, discounted amount at the time the service is rendered directly to your provider. There are no claims to file, nor any payments issued by the insurance carrier to the provider on your behalf.
Both options require a monthly payment, either as a premium or membership fee. Both options also may or may not have a network of providers you are required to see.
Generally speaking, more eye care professionals are able to accept vision insurance as opposed to a vision discount plan. However, both options can save you and your family money with regards to maintaining optimal eyesight.
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